If you already have student loan debt, Consumer Reports recommends taking control of the situation. Figure out how much debt you have, to whom you owe it and what repayment options you have. If you can’t afford your payments, you may be able to get a deferment or even take a job or do a volunteer program that would qualify you for loan forgiveness. If you’ve exhausted all those options, let the lender know right away that you can’t make your payments. Avoiding the problem will definitely not make it go away. Hint: there are a long lint of public service jobs that will forgive the debt in return for set number a year committed to work for the agency. Do your research on the internet and call your school’s recruiting department.